Share Draft Basic (Consumer)

Share Draft BASIC is the free credit union checking account. It offers members the benefits of no monthly service charge, no minimum balance, unlimited check writing, no per-check charge and no charge for transfers. (If the transfers are from a share savings account, Federal law imposes a limit of 6 per month.) The only cost to members is the cost of duplicate checks. Overdraft Advance service may be available on this type of account.
Reorder your checks online with the tab shown on the right of this page. ⇒
SCHOOL SPIRIT CHECK PROGRAM (click here)

Share Draft Plus (Consumer)

Share Draft PLUS is the dividend-paying option checking account. It offers members unlimited check writing, no per-check charge and no charge for transfers. (If the transfers are from a share savings account, Federal law imposes a limit of 6 per month.) PLUS also earns daily dividends that are paid monthly to the account if a low minimum balance of $500 is maintained. A service charge of $10 will be assessed on the last day of the month if the account balance falls below $500 at any time during the month. Overdraft Advance service may be available on this type of account.

Free checks available in several styles are offered to senior members age 62 and over and full-time students for either the Basic or Plus account.
Reorder your checks online with the tab shown on the right of this page. ⇒

CLICK HERE for a printable copy of the Check Book Register Reconciliation Work Sheet.

The MasterMoney™ card works as both an ATM card and a check (debt) card. It allows you to get cash from any ATM machine that has the PULSE or CIRRUS logo on it. The MasterMoney™ card can also be used to make purchases at stores, gas stations or anywhere else you see the PULSE or MASTERCARD™ logo. The cashier runs your purchase as if you where using a credit card, but the money comes out of your checking account. Each transaction is also itemized on your monthly share draft statement for easy tracking of your spending.

N.E.W. Credit Union also offers a ATM only card, which is great for getting cash from your share savings or share draft checking account after business hours.

N.E.W.Credit Union also belongs to a group of nationwide credit union that offer no-fee ATMs for their members. To find a surcharge-free ATM in any particular area visit www.alliance.coop.

Organizational Share Draft Checking

Organizations may use the share draft checking Basic option which features no monthly service charge, no minimum balance, unlimited check writing, no per-check charge and no charge for transfers. (If transfers are from a share savings account, Federal law imposes a limit of 6 per month.) Overdraft Advance service is not available on this type of account.

Business (Commercial) Share Draft Checking

The business or commercial checking account features a low minimum balance of $500 and no charge for the first 25 debit items cleared each month. There is a ten-cent charge per debit item after 25. If the balance stays above $500, a daily dividend will be earned (accrued) and paid to the account monthly. If the balance falls below $500 at any time during the month, a service charge of $10 will be assessed. There is no charge for transfers. (If transfers are made from a share savings account, Federal law imposes a limit of 6 per month.) Overdraft Advance service is not available on this type of account.


CheckRight is a web-based checking account mangement education module designed to teach you how to manage a checking account. You can use CheckRight if you are looking to open a checking account for the first time or you have had difficulty handling an account in the past.